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Zhongyuan Bank CoHKSE:01216 38 FCF Margin % is 663.30% as of Dec. 2025, which is 447% above its 10-year median of 121.37. GuruFocus rates HKSE:01216 with a GF Score™ of 38/100 and a GF Value™ of HK$0.36 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,499 Banks companies, Zhongyuan Bank Co ranks better than 98.4% on this metric.
The historical data trend for Zhongyuan Bank Co's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Zhongyuan Bank Co FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Zhongyuan Bank Co's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zhongyuan Bank Co FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Zhongyuan Bank Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Zhongyuan Bank Co's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Zhongyuan Bank Co (HKSE:01216) has a FCF Margin % of 663.30% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Zhongyuan Bank Co and its competitors. This is 447% above median its historical median of 121.37. According to the industry distribution chart, Zhongyuan Bank Co ranks #24 out of 1499 companies in the Banks industry, placing it in the top 1.6%.
Is Zhongyuan Bank Co's FCF Margin % too high?
Zhongyuan Bank Co's current FCF Margin % of 663.30% is 447% above median its 10-year median of 121.37. The Banks industry median FCF Margin % is 27.17. Zhongyuan Bank Co's value of 663.30% is 2341.3% above this industry median. Based on the distribution chart, Zhongyuan Bank Co ranks #24 out of 1499 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Zhongyuan Bank Co has a GF Score™ of 38/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Zhongyuan Bank Co's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Zhongyuan Bank Co ranks #24 out of 1499 companies for FCF Margin %. This places Zhongyuan Bank Co in the top 2% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 27.17. Zhongyuan Bank Co's value of 663.30% is 2341.3% above this benchmark. While the company's 10-year median is 121.37 vs. the industry median of 27.17, Zhongyuan Bank Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.17, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zhongyuan Bank Co's current FCF Margin % of 663.30% is 2341.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Zhongyuan Bank Co and its competitors. For the Banks industry, the median FCF Margin % is 27.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhongyuan Bank Co's current FCF Margin % is 663.30%, which is 447% above median its own 10-year median of 121.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zhongyuan Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Zhongyuan Bank Co (HKSE:01216) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$0.36, compared to a current price of HK$0.29 — trading 19.4% below its estimated fair value. The current FCF Margin % is 663.30%, which is 447% above median its 10-year median of 121.37 and 2341.3% above the Banks industry median of 27.17. Zhongyuan Bank Co's overall GF Score™ is 38/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Zhongyuan Bank Co (HKSE:01216), the current FCF Margin % is 663.30% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Zhongyuan Bank Co (HKSE:01216) Overvalued in 2026?
Based on GuruFocus' analysis, Zhongyuan Bank Co stock appears to be undervalued.
The current stock price of HK$0.29 is trading 19.4% below its estimated GF Value™ of HK$0.36.
GuruFocus considers Zhongyuan Bank Co to be Modestly Undervalued.
Key valuation signals for HKSE:01216:
FCF Margin %: 663.30% (447% above median its 10-year median of 121.37)
GF Value™: HK$0.36 vs. price of HK$0.29 (19.4% below fair value)
Industry Position: 2341.3% above the Banks median (#24 of 1499)
No single metric tells the full story. See the HKSE:01216 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zhongyuan Bank Co Ltd is engaged in the provision of corporate banking services. The business segments of the company are the Corporate banking segment, which represents the provision of a range of financial products and services to corporations, government agencies and financial institutions; The retail banking segment represents the provision of a range of financial products and services to retail customers; The financial markets business segment covers the Group's financial markets business operations. The financial markets business enters into inter-bank money market transactions, repurchase transactions, and investments; and Other segments. The company generates the majority of its revenue from the Corporate Banking segment.
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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